DDM Analysis: IROQ

Valuation Snapshot

Stable Growth	$58.00 - $311.58	$114.09
Multi-Stage	$32.74 - $35.81	$34.25
Blended Fair Value	$74.17
Current Price	$25.88
Upside	186.58%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
DPS	6.49%	12.30%	0.40	0.40	0.39	0.33	0.28	0.29	0.27	0.23	0.18	0.15
YoY Growth	-	-	0.55%	0.79%	18.93%	17.38%	-3.19%	8.18%	18.90%	23.94%	21.69%	20.10%
Dividend Yield	-	-	1.54%	1.96%	2.64%	1.74%	1.24%	1.88%	1.28%	0.97%	0.94%	0.80%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	5.06
(-) Cash Dividends Paid (M)	1.29
(=) Cash Retained (M)	3.78

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	1.01	0.63	0.38
Cash Retained (M)	3.78	3.78	3.78
(-) Cash Required (M)	-1.01	-0.63	-0.38
(=) Excess Retained (M)	2.76	3.14	3.40
(/) Shares Outstanding (M)	3.23	3.23	3.23
(=) Excess Retained per Share	0.86	0.97	1.05
LTM Dividend per Share	0.40	0.40	0.40
(+) Excess Retained per Share	0.86	0.97	1.05
(=) Adjusted Dividend	1.25	1.37	1.45
WACC / Discount Rate	7.78%	7.78%	7.78%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$58.00	$114.09	$311.58
Upside / Downside	124.13%	340.84%	1,103.94%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	5.06	5.39	5.74	6.12	6.51	6.94	7.14
Payout Ratio	25.40%	38.32%	51.24%	64.16%	77.08%	90.00%	92.50%
Projected Dividends (M)	1.29	2.07	2.94	3.92	5.02	6.24	6.61

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.78%	7.78%	7.78%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	1.90	1.92	1.94
Year 2 PV (M)	2.49	2.53	2.58
Year 3 PV (M)	3.05	3.13	3.22
Year 4 PV (M)	3.58	3.72	3.86
Year 5 PV (M)	4.09	4.29	4.50
PV of Terminal Value (M)	90.69	95.07	99.62
Equity Value (M)	105.80	110.67	115.72
Shares Outstanding (M)	3.23	3.23	3.23
Fair Value	$32.74	$34.25	$35.81
Upside / Downside	26.50%	32.33%	38.36%

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IF Bancorp, Inc. (IROQ)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener